Best No Annual Fee Credit Cards in UAE 2024

Looking for No Annual Fee Credit Cards in UAE ?

Then you’re in the right place.

While plethora of luxury credit cards in UAE charge an annual fee, there is a vast array of top tier credit cards that offer ample rewards without an annual fee.

In fact, these include some of the best credit cards around.

Summary of No Annual Fee Credit cards in UAE

The table shows a basic summary and comparison of different credit cards in UAE.

Credit cards	Card Feature	Minimum Salary Requirement	Apply Credit card
Citi Bank Simplicity Credit card	No late fee and over limit fee. No cash advance fee. 20% offers on selected restaurants. Unlimited access to selected airport lounges in the Middle East	5000 AED	Apply Now
CBD Visa Infinite Card	Unlimited Airport Lounge Access. Free Travel Insurance 50% discounts on VOX tickets online.	30,000 AED	Apply Now
CBD Visa Platinum Credit Card	Redeem points for Skywards miles. Discounts on movie tickets. Discounts on AVIS car rentals.	8000 AED	Apply Now
CBD eTijari Web Card	Used only for internet transactions. Facility to set your own credit limit.	8000 AED	Apply Now
ADIB Value Plus Card	Up to 25% discount on dining. Get rewards on your domestic & international spends. Enjoy up to 25% discount on dining across the UAE.	5000 AED	Apply Now
Noor Bank Priority World Credit card	Each 2 points (2% of spend) for every AED 1 you spend on your credit card. Airport pick up & drop off 12 times a year. Free golf for 2 people at Arabian Ranches Golf Club Dubai.	35,000 AED	Apply Now
Najm Platinum Cashback Credit Card	Exclusive offers and dedicated checkout counters at Carrefour. Monthly cashback savings up to AED 200. 30% discount on dining.	7,000 AED	Apply Now

List of No Annual Fee Credit Cards In UAE

Here are some of the best collection of credit cards that offers maximum benefits for their customers with no annual fee.

1. Citibank Simplicity Credit Card:

Card Description :

The Citibank Simplicity Credit Card has proven to be the stand-out all round no annual fee credit card in UAE 2017, and is maintaining it’s popularity in 2018.

It is basically a free for life & low interest credit card which offers an interest rate of 3.5 % of the outstanding amount with up to a 51 day interest free period.

If you are that forgetful type who tends to run late on payments, then don’t worry..

There is no late time fee ever for this simplicity card.

Main Features of Citibank Simplicity Credit Card

âœ” No Late Time Fee – Ever

âœ” No Over Limit Fee – Ever

âœ” No Annual Fee – Ever

âœ” No Cash Advance Fee – Ever

âœ” Minimum Salary Required is 5000 AED.

Benefits of Citibank Simplicity Credit Card:

Shopping and Dining Credit Card.
Unlimited lounge access in selected airport lounges across the Middle East.
Complimentary Travel Insurance and Purchase Protection.
Get hundreds of Buy 1 Get 1 free offers across hotels, dining, spas, leisure & entertainment in cities throughout the Middle East & Africa.

Click here to Apply for Citibank Simplicity Credit Card.

2. CBD Visa Infinite Card:

Card Description :

The CBD Visa Infinite Credit Card is a great option for those who want to take advantage of balance transfer and are averse of paying an annual fee.

The main advantage of this credit card is that it can act both as a low balance transfer card and as a cashback rewards card all in one. This Credit card is great to redeem reward points for skyward air miles.

Major Features of CBD Visa Infinite Credit Card

âœ” Conventional Balance Transfer Credit Card.

âœ” Interest rate on this card is 2.99%.

âœ” Earn Attijari Points for all your purchases and you can redeem for cashback.

âœ” Attijari points can be converted for Skywards Miles.

âœ” Minimum Salary Required is 30,000 AED.

Benefits of CBD Visa Infinite Credit Card

Unlimited access to VIP lounges globally.
Concierge service available at airports with this card.
Avail airport dining discount program with dragon pass.
Free Valtrans valet parking at different locations in UAE.
Earn 2.5 Attijari points on international spends , 2 points on local spends, 1 point for groceries and supermarkets.
50% discount on VOX Cinema tickets. (T&C Apply).
Get discounts on dining, shopping and travel.

Click Here to Apply for CBD Visa Infinite Credit card

3. CBD Visa Platinum card

Card Description:

The CBD Visa Platinum Card ticks off all the boxes of a great balance transfer credit card.

Plus, the card has no annual fee, a low interest rate of 2.99% as well as cashback on purchases.

Major Features of CBD Visa Platinum Credit Card

âœ” Zero Balance Transfer offers.

âœ” Interest rate on this card is 2.99 %.

âœ” Discounts with Agoda.

âœ” Redeem points for Skywards miles or cashback.

âœ” Minimum Salary Required is 8000 AED.

Benefits of CBD Visa Platinum Credit Card

Attijari points can be converted for Emirates Skywards or Etihad Guest Miles.
Repayment period of 52 days.
Attijari Points Rewards Program – earn up to 2.5 points for every Dirham spent.
Get Airport Dining Discount Program with Dragon Pass.
Offers free multi-trip travel insurance

Click here to Apply for CBD Visa Platinum Credit Card.

4. CBD eTijari Web Card

Card Description:

The CBD eTijari Web Credit Card is perfect for online shoppers who value simplicity and flexibility. There is facility to set your own credit limit from AED 500 to AED 3000.

This credit card does not contain any magnetic chip or stripe.

Main Features of CBD eTijari Web Credit Card.

âœ” Designed for Safe online shopping.

âœ” Interest rate on this card is 2.99 %.

âœ” Automatic enrollment in Attijari Points Rewards Program.

âœ” Minimum Salary Required is 8000 AED.

Benefits of CBD eTijari Web Credit Card.

Get 50% discount on VOX cinema tickets across the UAE on weekends.
Attijari points can be converted for Emirates Skywards or Etihad Guest Miles.
Zero percent Balance Transfer Offers.(T&C Apply).
Can earn Attijari Points for all your purchases and redeem for cashback.

Click Here to Apply for CBD E-Tijari Web Credit Card

5. ADIB value plus card

Card Description :

The ADIB Value Plus Card could be the one worth considering , if you’re looking for a card that will give you valuable cash rewards on every purchase.

Earn reward points while you spend and enjoy the flexibility of converting them into shopping or dining vouchers, airline tickets and more.

Main Features of ADIB Value Plus Card

âœ” An Islamic Credit Card with low salary requirement.

âœ” Interest rate on this card is 3.09%.

âœ” Get rewarded for local and international spend

âœ” Minimum Salary Required is 5000 AED.

Benefits of ADIB Value Plus Card:

Access to airport lounges across GCC/MENA Region.
Get up to 25% discount on select dining outlets across the UAE.
ADIB Reward Points can be redeemed for airline tickets.
Earn 1 reward point for 1 AED on domestic spend & 2 reward points for every 1 AED on international spend.
Facilities like Road side assistance.
You can redeem points for shopping vouchers.

Click Here to Apply For ADIB Value Plus Credit Card

6. Noor Bank Priority World Credit Card

Card Description:

The Noor Bank Priority World Credit Card has been designed with UAE golfers in mind.

If you’re a frequent golfer, you may be able to reap some rewards for doing what you love.

Main Features of Noor Bank Priority World Credit Card

âœ” This card is an Islamic Card.

âœ” Free Access to Premium Gyms (T&C Apply).

âœ” Free Golf for two people (T&C Apply).

âœ” Balance Transfer and Credit shield facilities.

âœ” Minimum Salary Requirement is 35,000 AED.

Benefits of Noor Bank Priority World Credit Card

Free access to selected gyms in Dubai and Abu Dhabi.
Get 6 free valet parking services per month at selected locations.
Unlimited Airport lounges access around the world.
Airport pick up and drop off (6 times a year).
Marhaba meet and greet services.
For every Dirham you spend on your credit card, you earn 1.5% cashback on domestic spends and 2% cashback on International Spends

Click Here to Apply for Noor Bank Priority World Credit card

7. Najm Platinum Cashback Credit Card

Card Description :

The Najm Platinum Cashback Credit Card is designed for saving money on groceries.

You can maximize your savings with this card and get exclusive category discounts and offers at Carrefour.

Main Features of Najm Platinum Cashback Credit Card

âœ” Free for Life Credit Card.

âœ” Balance Transfer Facility.

âœ” Monthly cashback savings of up to AED 200.

âœ” Dedicated check-out counters at Carrefour.

âœ” Visa Platinum Extended Warranty.

âœ” Minimum Salary Requirement is 7000 AED.

Benefits of Najm Platinum Cashback Credit Card

3% Cashback every Tuesday and 1.5 % everyday at Carrefour.
Free unlimited Valet Trolley at Carrefour.
Visa Platinum discounts on dining,shopping, travel & cinemas.
Visa Platinum Purchase Protection.
Weekly category discounts & exclusive offers at Carrefour.

Click here to Apply for Najm Platinum Cashback Credit card

How to Choose No Annual Fee Credit cards in UAE

There is no single best “no annual fee credit card” as the cardholders have different expectations and requirements, here are some of the factors you can prefer while choosing them.

Fees: Consider other fees like foreign transaction, balance transfer fees, and more in a No annual fee credit card.

Rewards Rate: Choose the credit card that provides the higher value for each purchase and look for cashback offers.

Staying Power: Go with a credit card that favors long-term utility over short-term rewards, this is suitable if the cardholders prefer to hold the credit card for several years.

Sign up Bonus: Prefer no annual fee credit card that offers sign up bonus so that you can avail set of benefits with them.

Other Perks: Also check whether the no annual fee credit card has some other unique benefits like airport lounge access, discount on movie tickets etc.

SANOJ AS